BANKING SERVICES-NAMELY, CHECKING AND SAVINGS ACCOUNTS OF ALL TYPES, SAVINGS CERTIFICATES, "NOW" ACCOUNTS, RETIREMENT SAVINGS PLANS, CERTIFICATES OF DEPOSIT, CHECK CERTIFICATION, CASHIER'S CHECKS, MONEY ORDERS, AND TRAVELERS' CHECKS; LOAN AND FINANCING SERVICES-NAMELY, SECURED AND UNSECURED LOANS, LINES OF CREDIT AND LEASE FINANCING; TRUST INVESTMENT SERVICES, ESTATE PLANNING, FINANCIAL PLANNING AND CONSULTING, CUSTODIANSHIPS, TRUSTEESHIPS AND EXECUTORSHIPS, BOND AND COUPON COLLECTION, INVESTMENT MANAGEMENT, FUNDS MANAGEMENT; CASH MANAGEMENT; SAFE DEPOSIT BOX RENTAL; CORRESPONDENT BANKING: STOCK TRANSFER AND SECURITIES SERVICES-NAMELY, ACTING AS A TRUSTEE FOR SECURITY ISSUES AND AS EXCHANGE, PAYING, REGISTRAR, PROCESSING, REDEMPTION AND TRANSFER AGENT, DIVIDEND REINVESTMENT; INTERNATIONAL BANKING SERVICES-NAMELY, BANKERS ACCEPTANCES, LETTERS OF INTRODUCTION AND CREDIT, FOREIGN EXCHANGE, INVESTIGATING AND REPORTING FOREIGN MARKET CONDITIONS AND CREDIT INFORMATION; MONEY MANAGEMENT AND INVESTMENT SERVICES-NAMELY, SALES OF BANKERS ACCEPTANCES, REPURCHASE AGREEMENTS, CERTIFICATE OF DEPOSIT, COMMERCIAL PAPER, FEDERAL TREASURY AND AGENCY SECURITIES, MUNICIPAL SECURITIES AND FEDERAL FUNDS